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Car insurance in Saint John
Besides dreaming of that new car purchase, one of the first things you’ll probably get after you pass that driving exam may likely be car insurance. As a legal requirement to drive in New Brunswick, every drive in Saint John will need auto coverage. It's easy to research and purchase one policy and forget about it. Perhaps you’re still with that very same company that you first got your policy with when you started to drive.
It’s actually very easy to review your car insurance annually using a rate comparison web site like Kanetix.ca. Doing so will even save you money along the way because we make sure you are only paying the lowest rate possible and getting all the auto discounts you are entitled to receive.
As a result of auto insurance reforms in 2003 and 2005, New Brunswick including Saint John drivers, enjoy the third lowest rates in Canada at an annual average of $763. Even though rates are low compared to other provinces, drivers will still see increases in their car insurance rates over the years. That’s one of the reasons is important to compare rates regularly so you maximize your potential for savings.
Kanetix.ca searches over 50 insurance companies on your behalf and presents you with the best rate that matches your driving profile. Continue to check online yearly, and we can even send you reminders when your policy comes up for renewal, so you can stay on top of your insurance rates.
Driving in Saint John and saving money
Most people travel between and within New Brunswick’s communities by car, therefore, it’s recommended that every new driver takes a driving course as part of their learning. There are plenty of driving schools in Saint John to learn the rules of the road and get specific skills for driving in winter. In fact, having driving training is one of the most common ways to save on car insurance. In addition, the First Chance discount in New Brunswick helps to keep new driver rates low as long as the driver maintains a clean driving record.
Winter road conditions in Atlantic Canada can be hazardous and it’s hard to avoid driving in bad weather if you live in Saint John. Getting winter tires installed on your vehicle will not only help to keep you safe but may also save you money on your car insurance quote. According to quotes completed on Kanetix.ca, 91 per cent of Saint John drivers have winter tires installed.
Another common way for drivers of Saint John to save money on their auto insurance is through their affiliation with school or work. For instance, if you attended the University of New Brunswick or Mount Allison University, you should ask your insurance company if they offer discounts to alumni. In the past year, 53 per cent of policies secured through Kanetix.ca indicated they were associated with a group. Bundling your home and auto insurance is another sure-fire way to reduce cost. Known as multi-line discounts in the insurance industry, combining your policies can be an effective way to save some money.
According to quotes completed on Kanetix.ca, 41 per cent of Saint John residents received this type of discount.
Besides reviewing your policy on a yearly basis, here are some other key milestone periods where you should consider reviewing your Saint John car insurance premiums:
- Moving to a new community, city or province
- Adding a new driver to your policy
- Getting married or getting divorced
- Changing jobs or retirement
- Getting a ticket or being involved in a collision or accident
- Buying a new or used car
By using Kanetix.ca to compare car insurance quotes all in one place from over 50 companies is the easiest and fastest way to get a quote that is reliable and matches your unique driving needs.
About the cars on the roads of Saint John
Did you know that the car you drive has an impact on your insurance? It’s true. The colour of your car does not affect the rate you pay, however, your car make and model play a part in determining your policy rate. Cars that are attractive to theft, for example, may be more expensive to insure. Cars that are expensive or more difficult to repair after an accident or have lower safety ratings may also be more expensive to insure.
Before you buy a car, it’s prudent to compare car insurance quotes to ensure you are also comfortable with the yearly cost of insuring your new car. The 10 most popular vehicles in Saint John, according to quotes completed on Kanetix.ca in the last year are:
- Toyota Corolla
- Mazda Mazda3
- Honda Civic
- Hyundai Elantra
- Hyundai Accent
- Nissan Rouge
- Ford Focus
- Chevrolet Cruze
- Ford F150
- Honda Accord
- The average age of drivers in Saint John is 40 years old.
- The average daily commute of drivers in Saint John is 6.3 kilometers.
- 79% of Saint John drivers have claimed at least one ticket on their driving record within the last 3 years.
- 84% of Saint John drivers have claimed at least one accident on their driving record within the last 6 years.
- 38% of Saint John drivers have some form of roadside assistance plan in case of emergencies.
*statistics based on auto quotes completed on Kanetix.ca in 2017.
Drivers beware of cyclists: With 680 cycling routes and 84 bike courses in the city plus the science coastal views, Saint John is a paradise for bikers in the warmer months.
Worst roads in New Brunswick: According to CAA Atlantic, and voted by the public, New Brunswick roads hold four out of 10 spots for the worst road in the region. Although none are in the city of Saint John, nearby city of Fredericton captured second spot with its massive potholes along Charters Settlement Road.Take the scenic routes: Living in Saint John, you have access to some of the most beautiful driving routes in Atlantic Canada. Plan a staycation that take you and your family through the Bay of Fundy coastal drive, the Acadian costal drive, the Appalachian Range route, the Miramichi River route or the River Valley scenic drive. There is no shortage of day-trips and road trips that will require you to wander far from your community. Just be careful on the roads as accidents and collisions and the occasional deer, mouse, or other wildlife collision can be a factor in your car insurance rate.
Not ready to shop for insurance today?Set a renewal reminder and we'll let you know when it's time to save.
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